Direct Lender Disclosure

Transparency about who we are and how we lend

Fiona Loans is a Direct Lender

Fiona Loans is a direct lender that makes its own credit decisions and funds loans directly. We are NOT a loan broker, loan marketplace, lead generator, or aggregator. When you apply with Fiona Loans, your application is reviewed and processed entirely by us.

What "Direct Lender" Means for You

One Application, One Lender

Your application is reviewed only by Fiona Loans. We do not sell or share your application with other lenders.

Faster Decisions

Because we make our own credit decisions, you get faster responses without waiting for third-party reviews.

Direct Communication

You deal directly with us throughout the entire process — from application to funding to repayment.

Data Privacy

Your personal and financial information stays with us. We never sell your data to other lenders or lead buyers.

Loan Details

Loan amounts: $1,000 to $10,000
APR: Fixed 10.00% for every borrower
Repayment terms: 12 to 48 months
Loan type: Fixed-rate unsecured personal loans
Credit requirements: All credit scores accepted
Availability: All 50 U.S. states
Origination fee: $0.00
No prepayment penalties

Licensing

Fiona Loans is licensed to lend in the states where it operates. Our NMLS number is XXXXXXX. You can verify our licensing status through the NMLS Consumer Access website.

Questions?

If you have any questions about our status as a direct lender, please contact us at support@fionaloans.com.